Want to withdraw your Employees’ Provident Fund (EPF) online? This guide will help you understand how to fill out the PF withdrawal form and explain the entire EPF withdrawal process in simple steps. Whether you want to make a full or partial withdrawal, this updated information for 2025 covers everything you need to know about the Provident Fund withdrawal form and how to apply.
Overview of a PF Withdrawal Form
A PF withdrawal form is the document you use to get the money saved in your EPF account. EPF, or Employees’ Provident Fund, is contributed equally by you and your employer while you work. This helps you save money for retirement or other important needs.
Main Details About PF Withdrawal Form 2025
| Name | PF Withdrawal Form |
| Full form | Provident Fund Withdrawal Form |
| Submission Mode | Online / Offline |
| Official Website | https://unifiedportal-mem.epfindia.gov.in/mem |
Why EPFO Exists
The Employees’ Provident Fund Organisation (EPFO) helps workers save money during their jobs so they have funds when they retire. You can also use your PF money to pay off debts if needed. Different forms are used depending on why you want to withdraw money.
When Can You Withdraw Your EPF Fully?
- After retirement from your job.
- If you are unemployed for more than two months (with attestation from a gazetted officer).
- When changing jobs, full withdrawal is not allowed unless you are unemployed for 2 or more months.
About Partial EPF Withdrawal
Partial withdrawal is allowed only for certain reasons as per EPFO rules. You cannot withdraw partial amounts freely.
Types of PF Withdrawal Forms
| Form | Purpose |
|---|---|
| Form 10C | EPS Withdrawal |
| Form 10D | Apply for Pension After Retirement |
| Form 11 | Automatic EPF Transfer |
| Form 14 | LIC Policy |
| Form 15G | Prevent TDS on EPF Interest |
| Form 19 | EPF Settlement |
| Form 2 | Nomination for EPF & Pension |
| Form 20 | EPF Settlement on Employee’s Death |
| Form 31 | Partial EPF Withdrawal |
| Form 5 | New Employee Registration for EPF & EPS |
| Form 5(IF) | Employee’s Deposit Linked Insurance Claim |
Documents Needed for PF Withdrawal
- Filled PF Withdrawal Form (usually Form 19, 10C/10D, or Form 31 depending on withdrawal type)
- Two revenue stamps
- Bank account statement
- Identity proof (Aadhar, PAN, etc.)
- Address proof
- A blank cancelled cheque with your name, account number, and IFSC code (make sure it is a single account holder cheque)
Step-By-Step Guide to Fill Online PF Withdrawal Form 19
- Log in to the EPFO member portal using your Universal Account Number (UAN), password, and captcha.
- Go to the Member Interface section on the EPFO website.
- Select the “Claim (Form-31, 19 & 10C)” option under “Online Services.”
- Enter the last four digits of your bank account and click “Verify.”
- Agree to the Certificate of Undertaking by selecting “Yes.”
- Choose “Only PF Withdrawal (Form-19)” from the dropdown for claim type.
- Check the disclaimers and click “Get Aadhaar OTP.”
- Enter the OTP sent to your registered mobile number.
- Submit your application and note down the reference number shown for tracking.
How to Apply for PF Withdrawal Online?
- Visit the official UAN portal and log in with your UAN and password.
- Complete your KYC details under the ‘Manage’ section (bank info, PAN, Aadhar).
- Click on ‘Online Services’ and select the right claim form.
- Verify your bank details and agree to the undertaking certificate.
- Choose the claim type – full withdrawal, partial, or pension withdrawal.
- Fill in the reason, amount (if partial withdrawal), and address as needed.
- Upload scanned documents if required and submit your claim.
- You will be notified once your claim is processed, which usually takes 15 to 20 days after employer approval.
Tracking Your EPF Claim Status
- Log in to the UAN member portal using your credentials.
- Go to ‘Online Services’ and click on ‘Track Claim Status.’
- You can also use the portal to update contact info, e-KYC, and transfer funds.
What is the PF Withdrawal Limit?
- Education and marriage: Withdrawal allowed up to three times the amount.
- Buying or building a home: One-time withdrawal allowed.
- Medical emergencies and serious illness: No withdrawal limit.
FAQs on PF Withdrawal Form
Can EPF be claimed offline? Yes, you can use the offline PF withdrawal form to claim your EPF money.
Is PAN mandatory for EPF withdrawal? Yes, to avoid tax deduction at source (TDS) on your EPF withdrawal, updating PAN details is important. Without it, TDS up to 34.6% may apply on withdrawals above Rs. 50,000.
Do I need to submit Form 15G/H for EPF withdrawals? If you withdraw EPF before completing 5 years of service, submitting Form 15G/H can help avoid tax deduction, but after 5 years, withdrawals are tax-free.